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PRA GroupPRAA +0.12%62 3-Year Share Buyback Ratio is 0.50 as of Mar. 2026, which is 29% below its 10-year median of 0.70. GuruFocus rates PRAA with a GF Score™ of 62/100 and a GF Value™ of $25.99 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 280 Credit Services companies, PRA Group ranks better than 79.29% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. PRA Group's current 3-Year Share Buyback Ratio was 0.50%.
The historical rank and industry rank for PRA Group's 3-Year Share Buyback Ratio or its related term are showing as below:
PRAA'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -5.3 Med: 0.7 Max: 5
Current: 0.5
During the past 13 years, PRA Group's highest 3-Year Share Buyback Ratio was 5.00%. The lowest was -5.30%. And the median was 0.70%.
PRAA's 3-Year Share Buyback Ratio is ranked better than 79.29% of 280
companies
in the Credit Services industry
Industry Median: -3.1
vs PRAA: 0.50
PRA Group (NAS:PRAA) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
PRA Group 3-Year Share Buyback Ratio Related Terms
PRAA vs GDOT, OPFI, NAVI: 3-Year Share Buyback Ratio Comparison
For the Credit Services subindustry, PRA Group's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PRA Group 3-Year Share Buyback Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PRA Group's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where PRA Group's 3-Year Share Buyback Ratio falls into.
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 0.50 mean?
PRA Group (PRAA) has a 3-Year Share Buyback Ratio of 0.50 as of Mar. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for PRA Group and its competitors. This is 29% below median its historical median of 0.70. According to the industry distribution chart, PRA Group ranks #58 out of 280 companies in the Credit Services industry, placing it in the top 20.7%.
Is PRA Group's 3-Year Share Buyback Ratio too high?
PRA Group's current 3-Year Share Buyback Ratio of 0.50 is 29% below median its 10-year median of 0.70. Based on the distribution chart, PRA Group ranks #58 out of 280 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, PRA Group has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PRA Group's 3-Year Share Buyback Ratio compare to GDOT and OPFI?
According to the Credit Services industry distribution chart, PRA Group ranks #58 out of 280 companies for 3-Year Share Buyback Ratio. This places PRA Group in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Credit Services company?
A good 3-Year Share Buyback Ratio depends on the Credit Services industry context. However, 3-Year Share Buyback Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for PRA Group and its competitors. PRA Group's current 3-Year Share Buyback Ratio is 0.50, which is 29% below median its own 10-year median of 0.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PRA Group stock overvalued right now?
Based on GuruFocus' analysis, PRA Group (PRAA) is currently considered Possible Value Trap. The stock's GF Value™ is $25.99, compared to a current price of $17.37 — trading 33.2% below its estimated fair value. The current 3-Year Share Buyback Ratio is 0.50, which is 29% below median its 10-year median of 0.70. PRA Group's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For PRA Group (PRAA), the current 3-Year Share Buyback Ratio is 0.50 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PRA Group (PRAA) Overvalued in 2026?
Based on GuruFocus' analysis, PRA Group stock appears to be undervalued.
The current stock price of $17.37 is trading 33.2% below its estimated GF Value™ of $25.99.
GuruFocus considers PRA Group to be Possible Value Trap.
Key valuation signals for PRAA:
3-Year Share Buyback Ratio: 0.50 (29% below median its 10-year median of 0.70)
GF Value™: $25.99 vs. price of $17.37 (33.2% below fair value)
No single metric tells the full story. See the PRAA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PRA Group Inc is a specialty finance company engaged in the purchase, collection, and management of nonperforming loan portfolios. The majority of the loans it purchases are from credit originators who have chosen not to pursue, or have been unsuccessful in collecting, the full balance owed to them (Core accounts). To a lesser extent, the company also purchases loans in situations where the customer is involved in a bankruptcy or similar proceeding (Insolvency accounts). As part of an ancillary business, it also purchases and provides fee-based services for class action claims recoveries in the U.S. The company has two operating and reportable segments, comprised of its U.S. and European businesses. The majority of its revenue is generated from the United States.
62GF Score
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3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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